Summary Self-motivated professional, highly experienced and proficient in developing creative solutions for complex situations and implementing prudent decision making. Maintains positive attitude and works hard with focused approach to achieve collective objectives with entire team together. Key Strengths * Credit Risk Assessment & Credit Underwriting * Implementation of Credit Assessment Policies / for Commercial & Industrial Loans. procedures and Risk Rating of clients. * Financial Facility structuring & Risk mitigation. * Preparation and approval of Credit Memo for * Financial Statement Analysis of Corporate and commercial clients, Collateral Assessment. Personal Tax Returns, Cash Flow Analysis etc. * Title/ Facility Document analysis for commercial including stress test of the proposed finance. properties, UCC charge with County/State. * Hands on experience on Revolving Credit, * Credit reports, Property appraisal reports, PhaseI Factor Financing and Trade related facilities reports, repayment capacity, DSC Ratio analysis. Accomplishments * Achievement of both volume and revenue targets for the years 2013, 2014 and 1st half of 2015 for lending and Cost free deposits for Commercial Segment of NIB Bank Ltd. * Achieved Forex Business (Import & Exports) by 25%above target for the year 2014 and by 7% above target for 1st half of 2015. * Cross Selling of Bancassurance and other retail/ consumer products. * Liaison and finalize Underwriting standards with emphasis over Industry wise Risk Acceptance Criteria (RACs), in consultation with other stake holders and get these approved from BOD for the years 2008 till 2015 both for SCB and NIB. * Prepare and finalize budget (annual business plan) for Commercial Segment, Central Region, with other stake holders, in line with overall Bank's budget. * Member Executive Committee, Modaraba Association of Pakistan for the tenure September 2005 till November 2007. Accomplishments * Achievement of both volume and revenue targets for the years 2013, 2014 and 1st half of 2015 for lending and Cost free deposits for Commercial Segment of NIB Bank Ltd. * Achieved Forex Business (Import & Exports) by 25%above target for the year 2014 and by 7% above target for 1st half of 2015. * Cross Selling of Bancassurance and other retail/ consumer products. * Liaison and finalize Underwriting standards with emphasis over Industry wise Risk Acceptance Criteria (RACs), in consultation with other stake holders and get these approved from BOD for the years 2008 till 2015 both for SCB and NIB. * Prepare and finalize budget (annual business plan) for Commercial Segment, Central Region, with other stake holders, in line with overall Bank's budget. * Member Executive Committee, Modaraba Association of Pakistan for the tenure September 2005 till November 2007.

Highlights:

• Credit Analysis
• Banking
• Commercial Lending
• Forex Trade
• GAAP
• AML
• Management
• Audit
• CFO
• HR